{
  "brand": "Bank of China",
  "brand_label": "Bank of China",
  "brand_slug": "bank-of-china",
  "legal_entity_abn": "28110077622",
  "public_base_uri": "https://api-gateway.bankofchina.com.au",
  "logo_uri": "https://boc-resources.s3.ap-southeast-2.amazonaws.com/images/BOC+logo.JPG",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-09-30T18:00:00Z",
  "at_a_glance": {
    "note": "This bank's best savings rate per customer segment (personal, smsf, business) and rate kind (ongoing: the conditional rate, bonus conditions met; intro: in the introductory period; base: the base rate, no conditions met), one line each: the highest of the bank's own entries in the best/{segment}/{kind}/{balance}.json slices (age-limited, pensioner, occupation-limited, organisation-only and adviser-platform accounts left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. reference_balances are the slice balances where it is the bank's entry; the rate is at the first of them. conditions is a key into condition_sets. unranked counts the products no slice ranks, by reason. Every product and rate row follows in products and rows.",
    "rates": [
      {"segment":"personal","kind":"ongoing","rate_pct":0.05,"base_rate_pct":0.05,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Online Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true},
      {"segment":"personal","kind":"intro","rate_pct":3.3,"base_rate_pct":0.05,"bonus_rate_pct":null,"intro_rate_pct":3.25,"intro_months":4,"product_label":"Online Saver Statement","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":true},
      {"segment":"personal","kind":"base","rate_pct":0.05,"base_rate_pct":0.05,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Online Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true}
    ],
    "condition_sets": {
      "k1": [
        "not updated by the bank since 2026-10-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "the feed lists several base rates for one balance; the lowest is shown, up to 2.35% (Online Saver, base rate for balance between $3,000 and $4,999,999.99.)",
        "higher rates apply only on balances from $3,000 up to $5,000,000; the rate shown is the lowest band"
      ],
      "k2": [
        "not updated by the bank since 2026-10-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "the feed lists several base rates for one balance; the lowest is shown, up to 2.35% (Online Saver Statement, base rate for balance between $3,000 and $4,999,999.99.)",
        "higher rates apply only on balances from $3,000 up to $5,000,000; the rate shown is the lowest band"
      ]
    },
    "unranked": {
      "products": 10,
      "transaction_account": 3,
      "offset_account": 1,
      "foreign_currency": 6
    }
  },
  "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category",
  "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.",
  "products": [
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      "product_name": "Online Saver",
      "product_label": "Online Saver",
      "product_slug": "online-saver",
      "page": "/au/finance/savings-accounts/accounts/bank-of-china/online-saver/",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912637.html",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.bankofchina.com/au/en/bocinfo/bi3/201906/t20190627_15531087.html",
      "fees_url": "https://www.bankofchina.com/au/en/bocinfo/bi2/201706/t20170629_10963936.html",
      "eligibility_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201906/t20190627_15530997.html",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Online Saver",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": 1,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 0.05,
          "intro_pct": null,
          "base_pct": 0.05
        },
        "50000": {
          "ongoing_pct": 0.05,
          "intro_pct": null,
          "base_pct": 0.05
        },
        "250000": {
          "ongoing_pct": 0.05,
          "intro_pct": null,
          "base_pct": 0.05
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 78,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 79,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 79,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 72,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 73,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 73,
          "of": 79
        }
      ],
      "features": {
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        "card": null,
        "digital_wallets": [],
        "osko": false,
        "payid": false,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": false,
        "unlimited_transactions": false,
        "free_transactions": null,
        "linked_account_required": false,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": []
      },
      "feature_tags": [
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      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
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      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": 16,
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      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-10-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "the feed lists several base rates for one balance; the lowest is shown, up to 2.35% (Online Saver, base rate for balance between $3,000 and $4,999,999.99.)",
        "higher rates apply only on balances from $3,000 up to $5,000,000; the rate shown is the lowest band"
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      "eligibility": [],
      "record_stale": true,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55940657",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/bank-of-china/55940657.json",
      "snapshot_at": "2026-10-22T13:24:11Z",
      "bank_last_updated": "2026-10-01T04:00:00.000+10:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
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          "https://www.bankofchina.com/au/en/bocinfo/bi3/201906/t20190627_15531087.html",
          "https://pic.bankofchina.com/bocappd/australia/202610/P020261019363565839184.pdf",
          "https://www.bankofchina.com/au/en/bocinfo/bi2/201706/t20170629_10963936.html",
          "https://pic.bankofchina.com/bocappd/australia/202610/P020261012350710324084.pdf"
        ]
      }
    },
    {
      "product_id": "55940656",
      "product_name": "Online Saver Statement",
      "product_label": "Online Saver Statement",
      "product_slug": "online-saver-statement",
      "page": "/au/finance/savings-accounts/accounts/bank-of-china/online-saver-statement/",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912637.html",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.bankofchina.com/au/en/bocinfo/bi3/201906/t20190627_15531087.html",
      "fees_url": "https://www.bankofchina.com/au/en/bocinfo/bi2/201706/t20170629_10963936.html",
      "eligibility_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201906/t20190627_15530997.html",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Online Saver Statement",
      "bonus_is_total": null,
      "intro_is_total": false,
      "intro_is_bonus_rate": true,
      "intro_months": 4,
      "intro_conditions": [
        "Online Saver Statement, new account bonus rate 3.25% for first 4 months for balance $3,000 to $499,999.99, only new customer can enjoy this bonus rate."
      ],
      "bonus_conditions": [],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": 1,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
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          "ongoing_pct": 0.05,
          "intro_pct": 3.3,
          "base_pct": 0.05
        },
        "50000": {
          "ongoing_pct": 0.05,
          "intro_pct": 3.3,
          "base_pct": 0.05
        },
        "250000": {
          "ongoing_pct": 0.05,
          "intro_pct": 3.3,
          "base_pct": 0.05
        }
      },
      "rankings": [
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          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 66,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 69,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 70,
          "of": 79
        }
      ],
      "features": {
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        "card": null,
        "digital_wallets": [],
        "osko": false,
        "payid": false,
        "payto": false,
        "bpay": false,
        "app": true,
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        "unlimited_transactions": false,
        "free_transactions": null,
        "linked_account_required": false,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": []
      },
      "feature_tags": [
        "app"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": 16,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-10-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "the feed lists several base rates for one balance; the lowest is shown, up to 2.35% (Online Saver Statement, base rate for balance between $3,000 and $4,999,999.99.)",
        "higher rates apply only on balances from $3,000 up to $5,000,000; the rate shown is the lowest band"
      ],
      "eligibility": [],
      "record_stale": true,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55940656",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/bank-of-china/55940656.json",
      "snapshot_at": "2026-10-22T13:24:11Z",
      "bank_last_updated": "2026-10-01T04:00:00.000+10:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
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      "product_name": "Overseas Student",
      "product_label": "Overseas Student",
      "product_slug": "overseas-student",
      "page": "/au/finance/savings-accounts/accounts/bank-of-china/overseas-student/",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912619.html",
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      "segments": [
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      "segment": "personal",
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        "250000": {
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      "rankings": [],
      "features": {
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        "osko": false,
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        "payto": false,
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        "app": true,
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        "joint": null,
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        "other": []
      },
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      "fees_without_amount": [],
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      ],
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            "who": "age 16 and over",
            "level": "product",
            "quote": "Overseas Student",
            "source": "feed: eligibility"
          },
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            "level": "product",
            "quote": "The Overseas Student Account is designed for international students studying or planning to study in Australia.",
            "source": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912619.html",
            "citation": {
              "quote": "The Overseas Student Account is designed for international students studying or planning to study in Australia.",
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      "conditions": [
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        "the feed lists several base rates for one balance; the lowest is shown, up to 0.10% (base rate 0.1% applies to deposit over 100000.)",
        "students only: Oversea Student",
        "only for international students studying or planning to study in Australia; proof of student ID and enrolment or offer is needed to open and keep it"
      ],
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            "who": "age 16 and over",
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            "quote": "Overseas Student Statement",
            "source": "feed: eligibility"
          },
          {
            "kind": "student",
            "who": "only for international students studying or planning to study in Australia; proof of student ID and enrolment or offer is needed to open and keep it",
            "level": "product",
            "quote": "The Overseas Student Account is designed for international students studying or planning to study in Australia.",
            "source": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912619.html",
            "citation": {
              "quote": "The Overseas Student Account is designed for international students studying or planning to study in Australia.",
              "url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912619.html#:~:text=The%20Overseas%20Student%20Account%20is,planning%20to%20study%20in%20Australia.",
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